My point is you need a society to use it and climate change will cause events which will make people question whether we still have one - which is enough for money to stop being useful. People in the west take a lot for granted.

Even in disaster scenarios like hurricanes, where everyone is going to do nearly everything they can regardless of cost to survive, money is still used in practice and in discussions, evaluations, planning. In a practical sense money is real not fake, because what money is used for, limited resources, is real not fake.